Bank of England: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and noninterest-bearing balances to assets dropped 7.16 percentage points in Q2 2026, from 17.74% to 10.58%. It was the largest change from Q1 2026 among the key lines here. Bank of England has the 1st lowest loan-to-deposit ratio of the 78 banks headquartered in Arkansas, at 38.78% as of Q2 2026. Bank of England's loan-to-deposit ratio of 38.78% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 42.17 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.2M |
| Cash and noninterest-bearing balances to assets | 10.58% |
| Cash and securities | $202.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.78% |
| Net loans and leases to deposits | 37.56% |
| Loans and leases to core deposits | 42.20% |
| Core deposits to total deposits | 91.88% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 74.50% | 94.66% | $0 | $20.0M |
| Q4 2023 | 73.09% | 93.94% | $0 | $20.0M |
| Q1 2024 | 70.11% | 93.60% | $0 | $20.0M |
| Q2 2024 | 68.12% | 92.78% | $0 | $20.0M |
| Q3 2024 | 53.15% | 92.31% | $0 | $20.0M |
| Q4 2024 | 40.19% | 91.74% | $0 | $15.0M |
| Q1 2025 | 42.82% | 90.95% | $0 | $15.0M |
| Q2 2025 | 41.04% | 91.20% | $0 | $10.0M |
| Q3 2025 | 41.94% | 91.25% | $0 | $10.0M |
| Q4 2025 | 40.02% | 91.25% | $0 | $10.0M |
| Q1 2026 | 36.97% | 91.58% | $0 | $10.0M |
| Q2 2026 | 38.78% | 91.88% | $0 | $10.0M |
Bank of England liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of England, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of England profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13303) · FFIEC NIC profile (RSSD 244149)